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Employee Voluntary Solutions - Portable medical protection
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With a successful career to pursue and a family to raise, it’s more important than ever for you to take good care of yourself. That’s why we designed an enhanced medical protection plan for you.
Available to existing members of the AIA group medical insurance scheme, the comprehensive StepUp Medical Protection Plan (StepUp) is a lifetime plan that tops up your group medical insurance. Application is convenient and simple with no medical underwriting required, enabling you to enhance your cover and prepare for future protection needs for just an affordable premium.
Even if you leave the company or enter retirement, you will remain covered under StepUp, giving you and your loved ones the reassurance you need.
In life, it’s good to have an extra safety net. When you join StepUp, you can renew your cover every year for life. The renewal premium will be based on the prevailing premium rates at the time of renewal. Even if you leave the company, your group medical cover ends or you retire, your cover under this plan will continue, giving you protection at all times.
Application for this plan is convenient and simple with no medical underwriting requirement, ensuring you can obtain the protection you need with ease.
If you have been covered under our group medical insurance scheme and StepUp for a total duration of at least 12 continuous months, the pre-existing conditions you have will be covered under StepUp in the subsequent cover period, giving you immediate comprehensive protection.
StepUp offers you reimbursement for a range of medical expenses. This includes expenses such as hospital room and board, intensive care, surgery, hospital expenses, advanced diagnostic imaging (including tests performed in outpatient setting) and medical appliances.
For more information, please read the “Benefits schedule for the StepUp Medical Protection Plan” in this brochure.
If you are unfortunately diagnosed with cancer or kidney failure, you will be in need of additional support. We therefore provide the extended caring protection for renal dialysis and cancer treatment to ease your worries and financial burden, helping you on the road to recovery.
To provide you with flexibility to arrange your medical treatment that best suits your needs, we cover your medical expenses from confinement to outpatient treatment in a HA hospital#. In addition, you can enjoy reimbursement and deductible of network benefits to obtain a more comprehensive support.
#HA hospital refers to hospitals under the administration of the Hong Kong Hospital Authority (HA). You must confine in the public / general ward or receive outpatient treatment in the public / general section, and are charged according to the public charges for eligible persons, then we will make reimbursement of such charges in respect of network benefits subject to the maximum limits and deductible as shown in the benefits schedule for core benefits (except network clinical surgery benefit). Please refer to the definition of public charges and eligible persons on the HA website: www.ha.org.hk.
To serve you better, our medical network comprises carefully selected medical service providers from across a range of medical disciplines.
To offer you flexibility in the medical service we provide, you can select the medical service providers provided under an AIA group medical insurance scheme (if applicable) and StepUp if you are covered under both at the same time^.
Even if you are no longer covered under AIA group medical insurance scheme, you can select the medical service providers provided under StepUp. Within this network, you can enjoy quality medical services and receive the following additional benefits in StepUp:
The cashless arrangement is subject to a per disability limit and an additional per disability limit for network benefits, and you are required to settle the shortfall (if any).
For more information, please refer to our network services leaflet for StepUp.
^ The network service providers under StepUp and AIA group medical insurance scheme (if applicable) are different. The use of StepUp’s medical network service is only applicable to the medical network protection under StepUp.
We understand that everyone’s situation is different. That’s why we offer optional outpatient benefit to suit your personal medical needs. When you apply for this plan together with the optional outpatient benefit, there is no medical underwriting requirement*, allowing you to obtain a more comprehensive protection with ease.
Plan Option
• Plan 1 – Ward plan
• Plan 2 – Semi-Private plan
• Plan 3 – Standard Private plan
Optional Benefit
Plan 1 to 4 – Outpatient benefit
Choice of plans will be subject to your existing AIA group medical insurance scheme cover, if any. For more information, please refer to “Plan selection rule” in the product brochure.
*After the policy is effective, you can apply for the optional outpatient benefit on the policy anniversary date. Medical underwriting is required.
Underwriting
The process of reviewing an application and deciding whether the risk is acceptable at the standard premium or otherwise.
Company participation guidelines
Suitable for companies with:
Member enrolment guidelines
Eligibility: Suitable for members under an AIA group medical insurance scheme
Under this plan, we will not cover conditions that result from any of the following events:
The above-mentioned are for reference only. Please refer to your policy contract for the complete list and details of exclusions
We will give the policy owner a written notice of any revision before any policy anniversary or upon renewal.
If you wish to make a claim, you must send us the appropriate forms and proof within 90 days of the date on which the covered event happened. You can get the appropriate claims forms from your financial planner, or by calling the AIA Customer Hotline on (852) 2232 8888 in Hong Kong, or (853) 8988 1822 in Macau, or by visiting any AIA Customer Service Centre. If you wish to know more about claim related matter, you may visit “File A Claim” section under our company website www.aia.com.hk.
You have the right to cancel and obtain a refund of any premiums and any levy paid by giving written notice to us. Such notice must be signed by you and submitted to the Customer Service Centre of AIA International Limited at 12/F, AIA Tower, 183 Electric Road, North Point, Hong Kong or the Customer Service Centre of AIA International Limited at Unit 1903, 19/F, AIA Tower, 251A-301 Avenida Comercial de Macau, Macau within 21 calendar days immediately following either the day of delivery of the policy or the Cooling-off Notice to you or your nominated representative, whichever is earlier.
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